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If you have a vehicle that is paid off or has a low balance in comparison to what it is worth, this could be an interesting route to take. Taking a loan out using your vehicle as collateral, would allow you to pay down your other creditors. In this situation, you gain the ability to receive an auto loan rate which is typically much lower than an unsecured personal loan. The credit card consolidation process is generally straightforward. Working with a loan officer, credit counselor or on your own, you gather all the debts you want to combine into one payment. Credit card consolidation is a strategy in which multiple credit card balances combine into one balance.

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This helps credit card companies prevent fraud and protects the general public from identity theft. This requirement is not universal for all cards, however. For those who do not qualify for a Social Security card or number, there are still options for opening a U.S. credit card account.